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(11)

EP 4 241 184 A1

(12)

(43) Date of publication: 13.09.2023 Bulletin 2023/37 (21) Application number: 21889842.7 (22) Date of filing: 25.10.2021

(51) International Patent Classification (IPC):  G06F 21/14(2013.01) G06K 19/06(2006.01) G06K 7/14(2006.01) G06Q 20/00(2012.01) (52) Cooperative Patent Classification (CPC): G06Q 30/0185 (86) International application number: PCT/US2021/056454 (87) International publication number: WO 2022/098530 (12.05.2022 Gazette 2022/19)

(84) Designated Contracting States: AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR Designated Extension States: BA ME Designated Validation States: KH MA MD TN (30) Priority: 06.11.2020 US 202017092132 (71) Applicant: PayPal, Inc. San Jose CA 95131 (US)	(72) Inventors: VYAS, Adhish, Nayanendu San Jose, California 95131 (US) TODASCO, Michael, Charles San Jose, California 95131 (US) CHAN, Michael, Jim Tien San Jose, California 95131 (US) PATEL, Jinesh San Jose, California 95131 (US) (74) Representative: IK-IP LTD  3 Lloyd's Avenue London, Greater London EC3N 3DS London, Greater London EC3N 3DS (GB)